An endorsement is a policy change that can add, remove, restrict, or modify coverage. It becomes part of the policy when properly issued.
Why endorsements matter
An endorsement may address valuables, equipment, business use, identity risks, water damage, or another specific exposure.
Review the details
Check the effective date, additional premium, limits, exclusions, and whether the endorsement replaces any standard wording.
Keep all endorsements with the main policy documents.